Paragraph A Loss or Damage What you are covered for:

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Your Policy Summary

Please read this document carefully which provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to your policy booklet and policy schedule for full details of all terms, conditions and endorsements or excesses that may apply.

Features of a MINI Home Insurance Policy

The Home Policy you have purchased is underwritten by UK Insurance Limited and will run for 12 months. Your policy schedule will show which of the following sections of cover you requested.

Section 1 – Buildings

Section 2 – Contents

What is covered:

Your home and its walls, roofs, drives,

patios

Permanent fixtures such as kitchen units, bathroom fittings, fitted wardrobes Outbuildings including sheds, garages

Household goods, including non-permanent fixtures and fittings like carpets, curtains

Personal belongings in the home, garages and sheds

Money in the home up to £300

Paragraph A – Loss or Damage

What you are covered for:

Fire

Storm or Flood Escape of water or oil Theft

Vandalism or malicious acts Subsidence

Fire

Storm or Flood Escape of water or oil Theft

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Paragraph B – Additional Cover

Extra benefits included as standard:

Damage to plumbing installation by

frozen or burst pipes

Accidental breakage of windows or fixed sanitary ware

The cost of alternative accommodation while insured repairs are carried out if your home is unfit to live in (up to 20% of the sum insured)

Accidental damage to TVs, videos, DVD players, audio and home computer equipment Contents temporarily removed to another

home up to £5,000

Replacement door locks and keys if your keys are stolen, up to £500

Contents in the garden up to £500 The cost of alternative accommodation while

insured repairs are carried out if your home is unfit to live in (up to 20% of the sum insured) Freezer contents up to £250 (Paragraph D

- Frozen Foods)

Replacing stored information on home entertainment equipment and mobile phones up to £1,000.

Paragraph C – Accidental damage cover

(Optional extra)

Extra accidental damage cover for accidents like drilling into a pipe or cable, or putting your foot through the loft floor

Extra cover for accidental breakage of items like vases and ornaments, as well as DIY disasters like spilt paint on carpets or furniture

Summary of Exclusions and Limits

Please refer to your policy document for full details

Section 1 – Buildings

Section 2 – Contents

Your policy will not pay for:

Theft or attempted theft Vandalism or malicious acts

Accidental breakage of fixed glass or sanitary ware

Accidental damage

Caused by any paying guest, lodger or tenant

Caused by any family member

Accidental breakage of mirrors and glass Accidental damage to TVs, videos, DVD

players, audio and home computer equipment

Accidental damage

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Excess

The following excesses (with exception of subsidence) are payable in addition to any other excesses which may apply. Please refer to your policy schedule, which contains full details of the excesses that apply to your policy.

Section 1 – Buildings

Section 2 – Contents

After your home has been unoccupied for more than 60 consecutive days your policy will not pay for:

Theft or attempted theft Vandalism or malicious acts Escape of water or oil

Damage to plumbing installation by frozen or burst pipes

Accidental breakage of fixed glass and sanitary ware

Accidental damage

Domestic pets:

Your policy will not pay for accidental damage caused by domestic pets

Caused by any family member

After your home has been unoccupied for more than 60 consecutive days your policy will not pay for:

Theft or attempted theft Vandalism or malicious acts Escape of water or oil Contents in the garden

Accidental breakage of mirrors and glass Accidental damage to TVs, videos, DVD

players, audio and home computer equipment

Freezer contents (Paragraph D - Frozen Foods)

Accidental damage

Domestic pets:

Your policy will not pay for accidental damage caused by domestic pets

Business equipment:

Your policy will not pay for property (including money) held or used for any business, other than office equipment owned by you up to £5,000 in total.

*Valuables in the Home limit

Please refer to your policy schedule for details of the limit applicable to your policy.

Single article limit

£1,500

Theft from garages or outbuildings limit

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Section 3 – Personal Possessions (optional extra)

What is covered: Paragraph A – Loss or damage

What you are covered for:

Paragraph B – Additional cover

Extra benefits included as standard:

Items designed to be worn or carried that you normally take out of the home or on holiday such as jewellery, cameras, sports equipment and money

Accidental loss Accidental damage Theft

Anywhere in the United Kingdom and for up to 60 days elsewhere in the world

Money up to £300 Credit cards up to £500

Summary of Exclusions and Limits

Please refer to your policy document for full details

Paragraph A – Loss or Damage Your policy will not pay for:

Theft from an unattended vehicle unless the item is hidden from view in the vehicle and violence and force is used to enter the vehicle More than £1,000 for any claim for theft

from an unattended motor vehicle Property held or used for any profession,

business or employment Pedal cycles

Paragraph B1 – Money

Paragraph B2 – Credit cards Your policy will not pay for:_{Business cards or money}

Paragraph B3 - Overseas Travel Any claim payment will not be more than £7,500

Excess

* Valuables are jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals.

Paragraph C –

Accidental Damage £25 Paragraph C – Accidental Damage £25 Paragraph A9

– Subsidence £1,000 or £2,000Refer to your policy schedule

Paragraph B5

– Household Removal £25

Section 1 – Buildings

Section 2 – Contents

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Section 4 – Pedal Cycles (optional extra)

Paragraph A – Loss or Damage

What you are covered for:

Excess Summary of Exclusions and Limitations

(paragraph A)

Please refer to your policy document for full details

Accidental loss Accidental damage Theft

Anywhere in the United Kingdom and for up to 60 days elsewhere in the world

£15* Theft when the cycle is unattended

unless the cycle is in a locked building or immobilised by a security device Loss or damage while the cycle is being

used for racing, pacemaking or trials

* Applicable in addition to any other excess which may apply. Please refer to your policy schedule, which contains full details of the excesses that apply to your policy.

Family Legal Protection

(optional extra)

24hr advice/claim line – access to legally qualified staff to advise you on any private legal problem, and for reporting a claim

Legal costs up to £50,000 for - Contractual disputes - Employment disputes - Property disputes - Personal Injury claims

Your right to cancel

If this cover does not meet your requirements, please telephone us on 0845 246 3632 within 14 days of receipt of your documents. We will return any premium paid in full provided no claims have been made on the policy during that time.

How to make a claim

To notify us of a claim in the first instance please telephone 0845 246 3632.

How to complain

Should there ever be an occasion where you need to complain, please call us on our priority number 0845 246 3632. If your complaint relates to a claim, contact your claims handler whose details will be shown in your claims documentation.

If you wish to write then address your letter as follows:

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All other complaints should be addressed to Customer Relations Department, MINI Home Insurance, 37 Broad Street, BRISTOL, BS99 7ZB.

If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 0845 080 1800.

Details about our Regulator

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MINIHM/HPS/0708